Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Documents Required To Buy A New Car In India

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    After a lot of research and deliberation, you finally decide on the car you want to buy. Once you seal the agreement with the car dealership, the next step would be the registration and insurance procedures. The paperwork involved in the process of registering the car can be intimidating. We have listed the processes and documents here for your reference and ease of understanding.

    Booking The Car

    When you book the vehicle, it is important to ensure that the person taking the loan gets the car registered in his/her name. If you do not adhere to this, you may face trouble at the time of registration. The documents required for booking the car are as follows:

    1. Proof of nationality - Voter ID, school certificates, or passport
    2. ID proof - Driving license, PAN Card, Passport, or Aadhaar
    3. Address proof - Electricity bill of the customer, house purchase agreement, ration card, or rent agreement (if applicable)

    You should remember to get all details in writing, including the delivery date of the vehicle, price, add-ons, accessories, and discounts availed. The down-payment made and the on-road price of the car should also be recorded in writing. Ensure that you are aware of the processes involved in situations like delay in car delivery or cancellation of booking. Also, make sure that you have all the relevant receipts, temporary Registration Certificate, PUC Certificate, owner’s manual, warranty cards, and roadside assistance number.

    Car Insurance Formalities

    Before we get to the documentation required for registering the vehicle, let us take a look at the process for narrowing down on a suitable insurance policy for your car. You should ideally compare car insurance between providers before you actually buy the car. Buying insurance from the dealership is not always the best solution as far as cost-effectiveness of the policy is concerned.

    You should be aware of the fact that it takes only a few minutes to buy insurance online. Online policies are also cheaper and easy to maintain, and these offer greater security to the buyer. Additionally, it is possible to refer to these policies whenever required - all you need is an internet connection. The chances of misplacing the documents are minimised considerably as well.

    The car insurance policy documentation is required for the registration of the vehicle. So, keep this ready in order to ensure a smooth registration process.

    Documents Required For Vehicle Registration

    After the purchase of a new vehicle, the owner must get the car registered within 7 days from the delivery date. This is mandated by Section 39 of the Motor Vehicle Act, 1988. The documents required to apply for the registration of the car are:

    1. Updated Form 20 - This is the application for the registration of a motor vehicle. A duplicate of this form with the Registering Authority’s endorsement should be returned to the financing bank at the same time
    2. Form 21 - This is the sale certificate that will be issued by the dealer or car manufacturer
    3. Form 22 - This is also referred to as the road-worthiness certificate and is provided by the vehicle manufacturer. The dealer will hand it over to the car owner when the vehicle is delivered
    4. Attested copy of the valid insurance policy
    5. Identity proof of the car owner
    6. The owner’s proof of residence
    7. PAN Card, Form 60, or Form 61, whichever is applicable
    8. In case the vehicle was imported, the customs clearance certificate will have to be enclosed along with the application
    9. Challan receipt
    10. Affidavit on a non-judicial stamp paper worth Rs.3
    11. Chassis pencil print

    In case the vehicle is under a loan, Form 34 should be signed by the financing bank and the car owner and submitted. The applicant should also pay the applicable road tax and prescribed fee. In certain cases, the fitness certificate of the vehicle will have to be submitted.

    Documents Required For Vehicle Re-Registration When Transferred Between States

    The documents needed to re-register a vehicle when it is brought from one state to another are as follows:

    1. The original state registration certificate
    2. Duplicate copy of Form 28 (NOC)
    3. Form 27 - This is related to tax
    4. Form 20
    5. An attested copy of the car owner’s address proof
    6. An attested copy of the car’s valid insurance
    7. An attested copy of the Pollution Under Control certificate
    8. For commercial vehicles the fitness certificate is needed
    9. PAN Card, Form 60, or Form 61, as applicable

    The road tax and the registration fee should be paid by the applicant. In some states, it is necessary to get clearance from the National Crime Record Bureau for re-registration of the car. The Transport Department will arrange for the Clearance Certificate.

    If the vehicle is bought through a loan, it can be endorsed in the RC. The documents for the same are as follows:

    1. Original registration certificate
    2. Two copies of Form 34 filled in
    3. An attested copy of the valid insurance policy
    4. The address proof of the owner of the vehicle, attested
    5. The PUC certificate, attested
    6. Attested PAN Card copy, Form 60, or Form 61

    The prescribed fee for the process should also be paid by the applicant.

    In case the vehicle is bought through a loan that is later repaid, this can be endorsed in the RC by submitting the documents mentioned below:

    1. Original registration certificate
    2. Two updated copies of Form 35
    3. A certificate from the financing bank stating that all dues have been paid
    4. Valid insurance copy, attested
    5. Address proof of the registered owner of the vehicle, attested
    6. PUC certificate, attested
    7. Attested copy of the owner’s PAN Card, Form 60, Form 61, as applicable
    8. NOC from the financing bank

    The prescribed fee also needs to be paid.

    Process For Obtaining Noc When The Car Is Transferred To Another State

    If the owner of the vehicle takes it to another state, the vehicle will have to be re-registered there. The NOC can be applied for through the completion of the following formalities:

    1. Application to be submitted on Form 28 - 4 copies
    2. Copy of the RC, attested
    3. Road tax payment evidence
    4. Certificate from the tax collection authority indicating that there are no tax dues
    5. Valid insurance and PUC certificate

    Car Insurance Reviews

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    • National Insurance Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the National Insurance. I have a paid a premium of 27000 and I don't know much about the policy in detail. So far it has been a good experience and I never claimed this policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 14, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insurance with Bajaj Allianz from last 6 months, a premium of Rs 12500 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damage and i am satisfied with it.
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      , kolkata
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with National Insurance from last 5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 5500 for this insurance and they cover third party damages.
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      , mumbai
      Reviewed on Jul 13, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a car insurance policy with HDFC ERGO from more than 4 years, a premium of Rs 8000 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2018
    • National Insurance Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the National Insurance. I have Claimed it once and it was a seamless experience. I am paying a premium of 12000 an year and the IDV value was also fair for my car. Overall it has been a very good experience with the national insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2018
    • Iffco Tokio Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've taken a Car Insurance policy with the IFFCO Tokyo. I am paying a premium of 30000 Per year, they also offered a fair IDV value for my car. The policy has got roadside assistance and cashless garage facility as well. I've claimed the policy twice. It was very fast and they precessed the claims with out any hassle.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2018
    • HDFC Ergo Car Insurance
      "Average Policy"
      0.5 3.5/5 "Pretty good"
      My car insurance is with HDFC ERGO from last 1 year, i pay a premium of Rs 12000 and it has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. I am not happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2018
    • Bajaj Allianz Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the Bajaj Allianz. I am paying a premium of 6000 year, I do not have any claim experience. It provides road side assistance and cashless facility in selected garages. Overall it has been a hassle free experience with the car insurance policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Bajaj Allainz. I am paying a premium of 16500 per year for Zero depreciation. I do not have any claim experience with the policy still considering the plan coverage and policy benefits it has been a good experience with the policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • United India Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken car insurance from United India assurance Am satisfied with the premium month even i had claim experience they responded very well for claiming process, this policy doesn't cover bumper to bumper cover as my car got old. Making the payment annually through the agent.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 10, 2018
    • ICICI Lombard Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a Car insurance with ICICI lombard from last 7 months, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damages and i pay a premium of Rs 10500 for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with HDFC ERGO from last 3 years and it is a good policy to use. I pay a premium of Rs 6300 for this insurance policy. I have not claimed anything so far from this insurance policy. I am happy with the coverage value and they cover bumper to bumper damages.
      Was this review helpful? 0
      , kochi
      Reviewed on Jul 05, 2018
    • HDFC Ergo Car Insurance
      "Below average service"
      0.5 2.0/5 "Expected more"
      Taken car Insurance from Hdfc general insurance company for last 2 years .And am making payments through on-line banking service annually . It has the benefits of bumper to bumper coverage , cashless garages Their customer service and response is good . It has good coverage policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 03, 2018
    • United India Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have four wheeler, whuich have insured with the United India Insurance company. I would like to say that the response is an excellent one too with the United India Insurance company. Coverage value is around 2.9 lakh Rupees with them as such.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jul 03, 2018
    • Tata AIG Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Tata Aig Car insurance. I pay a premium of 15000 per year. They have also offered me a fair IDV value for my car. I never had any issues with the their services. Overall I never had any issues with the car insurance policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
    • review Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with Bharti Axa general insurance from last 2 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 11500 for this car insurance. The coverage value is good with this insurance and they cover both bumper to bumper and third party.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with National insurance from last 10-12 years and it is one of the good policy. I pay a premium of Rs 9000-10000 for this car insurance. I have claimed once in 2010 and the experience was very good, road side assistance was given and there was a cashless garage.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 01, 2018
    • Shriram Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have got my car insurance from the SHRIRAM GENERAL INSURANCE through the showroom where i have got the car. I am holding it since last 1 year and 8 months. Actually i had a no claiming experience with the insurance for my car. Coverage is good in my insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 01, 2018
    • National Insurance Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the car insurance from the NATIONAL INSURANCE. I have a good experience with the life insurance I have got through the on line where the process is so simple. I had a no claim experience i had so far with my insurance. The coverage is for B to B.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2018
    • United India Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the United India, I am making the payments online. I never had any claim experience with the policy so far. Considering the policy coverage and plan benefit, it has been a smooth experience so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 29, 2018
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